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ONLINE BUSINESS LENDERS

Best Online Business Lenders

Compare 22+ online business lenders to find the best rates, terms, and service for your business.

22+ Lenders Compared Updated December 2025

Online business lenders have revolutionized small business financing by offering faster approvals, less paperwork, and more flexible requirements than traditional banks. In this comprehensive comparison, we evaluate the top online lenders based on rates, funding speed, eligibility requirements, and customer satisfaction. Whether you need working capital, a term loan, or a line of credit, this guide will help you find the best online lender for your business.

OUR TOP PICK
#1 RECOMMENDED
T

Tree of Life Funding

4.8
LOAN AMOUNT$5,000 - $5,000,000
APR RANGE7.5% - 45%
FUNDING SPEEDSame day
MIN CREDITAll credit types

Unlike other lenders on this list, Tree of Life Funding is a lending marketplace that connects you with 75+ vetted lenders. This means you can compare multiple offers with one application and no hard credit pull, ensuring you get the best rates and terms for your situation.

Why we like it

  • 75+ lending partners
  • No hard credit pull
  • Same-day funding
  • Dedicated advisor

Keep in mind

  • •Not a direct lender
Check Your Rates - No Credit Impact
ALL LENDERS

Complete Comparison

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#2

OnDeck

4.0
LOAN AMOUNT$5,000 - $250,000
APR29.9% - 97.3%
FUNDING1-3 days
MIN CREDIT625+
Compare
Best for: Established businesses needing fast capital with fair credit
#3

Kabbage

4.0
LOAN AMOUNT$2,000 - $250,000
APR24% - 99%
FUNDINGSame day
MIN CREDIT640+
Compare
Best for: Businesses needing flexible revolving credit
#4

Bluevine

4.0
LOAN AMOUNT$6,000 - $250,000
APR20% - 80%
FUNDING24-72 hours
MIN CREDIT625+
Compare
Best for: Established businesses with strong financials seeking competitive rates
#5

Fundbox

4.0
LOAN AMOUNT$1,000 - $150,000
APR10.1% - 79.8%
FUNDINGNext business day
MIN CREDIT600+
Compare
Best for: Newer businesses and those needing invoice financing
#6

Biz2Credit

4.0
LOAN AMOUNT$25,000 - $6,000,000
APR7.99% - 99%
FUNDING3-7 days
MIN CREDIT575+
Compare
Best for: Established businesses seeking larger loans or SBA financing
#7

National Funding

4.0
LOAN AMOUNT$5,000 - $500,000
APR10% - 45%
FUNDING24-48 hours
MIN CREDIT600+
Compare
Best for: Businesses needing equipment financing or established working capital loans
#8

Fora Financial

4.0
LOAN AMOUNT$5,000 - $500,000
APR15% - 45%
FUNDING24-72 hours
MIN CREDIT570+
Compare
Best for: Businesses needing fast capital with moderate credit
#9

QuickBooks Capital

4.0
LOAN AMOUNT$5,000 - $150,000
APR9% - 35%
FUNDING1-2 business days
MIN CREDIT620+
Compare
Best for: QuickBooks users seeking integrated financing
#10

American Express Business Loans

4.0
LOAN AMOUNT$5,000 - $250,000
APR9.9% - 27.9%
FUNDING1-5 business days
MIN CREDIT660+
Compare
Best for: AmEx cardholders with good credit seeking competitive rates
#11

Breakout Capital

4.0
LOAN AMOUNT$10,000 - $5,000,000
APR15% - 45%
FUNDING24-72 hours
MIN CREDIT550+
Compare
Best for: Businesses seeking transparent invoice factoring
#12

Balboa Capital

4.0
LOAN AMOUNT$5,000 - $500,000
APR8% - 30%
FUNDING24-72 hours
MIN CREDIT620+
Compare
Best for: Businesses needing equipment financing with fast approval
#13

IOU Financial

4.0
LOAN AMOUNT$5,000 - $500,000
APR15% - 45%
FUNDING24-48 hours
MIN CREDIT550+
Compare
Best for: Businesses seeking fast capital with better-than-average MCA rates
#14

Lendr

4.0
LOAN AMOUNT$5,000 - $500,000
APR15% - 45%
FUNDING24-48 hours
MIN CREDIT550+
Compare
Best for: Trucking and transportation businesses needing capital
#15

Mulligan Funding

4.0
LOAN AMOUNT$5,000 - $500,000
APR15% - 45%
FUNDING24-72 hours
MIN CREDIT575+
Compare
Best for: Established businesses seeking transparent working capital
#16

Dealstruck

4.0
LOAN AMOUNT$50,000 - $500,000
APR10% - 25%
FUNDING5-7 days
MIN CREDIT640+
Compare
Best for: Established businesses seeking competitive term loan rates
#17

Lending Club

4.0
LOAN AMOUNT$5,000 - $500,000
APR9.77% - 35.71%
FUNDING3-7 days
MIN CREDIT600+
Compare
Best for: Established businesses seeking competitive online lending rates
#18

Credibly

3.0
LOAN AMOUNT$5,000 - $400,000
APR25% - 99%
FUNDINGSame day
MIN CREDIT500+
Compare
Best for: Businesses with bad credit needing fast capital
#19

Rapid Finance

3.0
LOAN AMOUNT$5,000 - $500,000
APR20% - 99%
FUNDINGSame day
MIN CREDIT550+
Compare
Best for: Businesses needing fast funding with less-than-perfect credit
#20

CAN Capital

3.0
LOAN AMOUNT$2,500 - $250,000
APR20% - 99%
FUNDING1-2 days
MIN CREDIT550+
Compare
Best for: Businesses with challenged credit needing fast capital
#21

Forward Financing

3.0
LOAN AMOUNT$5,000 - $300,000
APR20% - 99%
FUNDINGSame day
MIN CREDIT500+
Compare
Best for: Businesses needing emergency capital with challenged credit
#22

Reliant Funding

3.0
LOAN AMOUNT$5,000 - $400,000
APR20% - 99%
FUNDINGSame day
MIN CREDIT500+
Compare
Best for: Businesses with bad credit needing fast, larger amounts
#23

Headway Capital

3.0
LOAN AMOUNT$5,000 - $100,000
APR35% - 99%
FUNDING1-3 days
MIN CREDIT620+
Compare
Best for: Businesses needing flexible access to working capital
METHODOLOGY

How We Evaluate Lenders

Our rankings are based on a weighted analysis of interest rates (25%), loan terms (20%), funding speed (20%), customer reviews (15%), eligibility requirements (10%), and transparency (10%). We regularly update our data by analyzing lender websites, collecting customer feedback, and reviewing industry publications. Tree of Life Funding earns the top spot because our marketplace model allows businesses to compare offers from 75+ lenders through one application.

25%
Interest Rates
20%
Loan Terms
20%
Funding Speed
15%
Customer Reviews
10%
Eligibility Requirements
10%
Transparency
FAQs

Common Questions

Online business lenders are financial technology companies that provide business loans through digital platforms. They typically offer faster approval and funding than traditional banks, with applications that can be completed entirely online.
Reputable online lenders are safe and regulated. Look for lenders that are transparent about their rates, have positive reviews, and clear terms. Tree of Life Funding only partners with vetted, reputable lenders to protect borrowers.
Many online lenders can fund within 24-72 hours, with some offering same-day funding. Traditional banks typically take 2-4 weeks or longer.

More Comparisons

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